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Affordable Health Insurance Rate -- Tips For Huge Discounts

Apr 8, 2008
Affordable Health Insurance Rate: You'll easily spend less for sufficient coverage if you have and implement the right advice. Nevertheless, if you get the wrong tips, in spite of the fact that you may still save, you will do so by sacrificing the quality of coverage you'll enjoy. Here are some time-tested ways to pay far less without putting yourself at risk...

1. The amount you're willing to contribute to payments for each visit to a doctor affects your premium. This is referred to as your co-pay.

Raising your co-pay reduces your premium. You're especially encouraged to select a high co-pay if you see a doctor just once in a very long time.

2. It will cost you far less and lower your costs if you buy your prescriptions online. You can also get affordable prices if you buy by phone.

The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper rates.

But to ensure you are buying from the right company, check. Organizations like BBB can tell you if you if a company should be trusted or not. So don't fail to check.

While we want to lower our health care rates we also have to make sure we safeguard our health and our lives.

3. You can save much on health insurance in certain states if you own a home business. States that offer this opportunity have regulations that make it compulsory that insurance companies offer home business owners the same rates with large businesses.

And all it takes for your home business to qualify is just one employee.

The good part is that the employee could be your spouse or older child who works for you. Moreover, you'll still be eligible if he or she works only part time.

This alternative gives lower rates due to the fact that group rates are normally lower than rates for individuals.

To find out if you qualify or even if your state has such a provision, call your state's department of insurance, department of financial services or their equivalent.

4. Although many insurance prospects know that smoking increases their rates, they may not know that this also applies if they use other tobacco products. Chewing or snuffing tobacco, for instance, will cost you in higher rate.

So, you'll be positioning yourself for better rates if you stay away from tobacco use in any form.

5. It pays to look through your policy at least once a year or as often as you think changes have occurred in your health or that of your family member. This will help you confirm you always have adequate coverage.

It is in such routine checks that you'll also find out if you now have duplicate coverage or coverage that's no longer necessary. It's in such cases that you will save by doing this because you would do the right thing and cancel such unnecessary or duplicate coverage.

A good case is a family health insurance policy that still covers your married daughter who has another plan with her husband. It may only occur to you when you get your annual payment notice. And you could be so over-excited about the fact that your child is now in college or married that the last thing you'll even consider is which insurance coverage you have to drop.

6. You'll be given lower rates if you pay by Electronic Funds Transfer (EFT). This authorizes your insurance provider to automatically withdraw your premiums from your account when due.

Your insurer saves in many ways such as eliminating the cost of mailing payment notices and the expense associated with processing checks. An insurance provider passes part of what they save to you by reducing your premium.

7. As you do these other things to lower your health insurance costs, here's something you can do to receive lower rates now. Visit trusted insurance quotes sites and get quotes.

Visit at least five of such for the best results. It's free, quick and easy. Please make certain you give your correct details as you complete the questionnaires on each site.

Thereafter, just choose the insurer that gives you the best price/value from the quotes you've obtained.
About the Author
Obtain your quotes from these reputable sites: Cheap Health Insurance Quotes and Affordable Health Insurance Quotes . Chimezirim Odimba writes on insurance.
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